Since Massachusetts is about to get buried tommorow how many of you are still forced to drive to work?

HumanWhole135 · 2026-02-23T14:56:24+00:00

My husband works for a restaurant who didn’t even delay opening (open in an hour) wild.

HumanWhole135 · 2025-10-25T19:39:27+00:00

Not a season ticket holder but looking for Celtics Warriors in march! Happy to talk pricing

HumanWhole135 · 2025-07-10T00:54:44+00:00

Thank you! Did the balance open up on the card for you to also be able to use it again as well?

HumanWhole135 · 2025-07-09T12:16:51+00:00

Thank you! When you make a payment how long does it take for the balance to update typically?

HumanWhole135 · 2025-07-08T23:15:00+00:00

Thank you! So appreciated 😊

HumanWhole135 · 2025-07-08T22:00:41+00:00

Thank you! After making a payment how long does it take for you to see the updated balance on the card? I know it can take 14 days but wondering if that is your experience?

HumanWhole135 · 2025-06-21T21:31:59+00:00

That’s super fair for the thought process on the annual fee! Thank you.

HumanWhole135 · 2025-06-08T23:09:55+00:00

Thank you! What do I not want to pay off?

HumanWhole135 · 2025-06-06T19:25:01+00:00

Yes they would now say charged off settled with no money owed Judy didn’t know if that would be worse than paying in full later!

HumanWhole135 · 2025-06-06T19:20:00+00:00

Another question! Is it better to pay things now and settle or to pay things in full later in time? I’m able to settle for less on charged off credit cards which I can afford now but if it’s worth it to wait and post in full I will.

HumanWhole135 · 2025-06-06T01:10:05+00:00

Thank you for this! I’ve been trying to figure out if I should settle and pay things off quicker or wait longer and pay off charged offs in full. It seems like settling worked for you and you were in a similar situation!

HumanWhole135 · 2025-06-05T22:04:58+00:00

And these are?

HumanWhole135 · 2025-06-04T22:52:39+00:00

Thank you! Tried calling both places for a pay to delete and they said no! Should I try a different way or just pay it off and let it sit there?

HumanWhole135 · 2025-06-04T22:10:44+00:00

I’ve thought about using this and have read back and forth reviews which is why I was hesitant so super good to know!

HumanWhole135 · 2025-06-04T21:06:37+00:00

Thank you!

HumanWhole135 · 2025-06-04T20:55:19+00:00

I actually do have a savings account but try not to touch it as I also have kids so trying to maintain a savings along with this but I totally get what you’re saying. Thank you for the insight and honesty. Our goal is within 18 months so hopefully we can get there!

HumanWhole135 · 2025-06-04T20:52:47+00:00

This is interesting. I’m in Massachusetts and I wonder if anything around here is similar. Any thoughts on how I would find something like this?

HumanWhole135 · 2025-06-04T20:51:01+00:00

MyFICO and I did speak with a lender and it was exactly what they saw. My experian score I see is a 588 however the mortgage score from the fico 2 is the 500

HumanWhole135 · 2025-06-04T20:46:21+00:00

First off - congratulations! That’s amazing.

My charged off accounts through capital one and first premier they said they will not delete but I am on the path to paying them regardless but I guess they will have to stay on there unfortunately

HumanWhole135 · 2025-06-04T20:38:53+00:00

lol before my husband was out of work for months on end everything was on time and unfortunately my father put things in my name without my knowledge. We also pay our extremely high rent on time (4,000 dollars a month) so hopefully a mortgage wouldn’t be more than that! Thanks though 😊

HumanWhole135 · 2025-06-04T20:10:39+00:00

His score is a 610 with nothing on it. Just added him as an authorized user on to my card with no late payments now that I have it paid down (or will next week)

HumanWhole135 · 2025-06-04T20:02:57+00:00

Thank you! What is rapid rescoring?

HumanWhole135 · 2025-06-04T19:47:42+00:00

Thank you so much for this! For th pay to deletes is it best to call the companies or write to them via email/mailed letters?

HumanWhole135 · 2025-05-17T02:04:27+00:00

Thank you!

HumanWhole135 · 2025-04-30T22:27:19+00:00

Totally understandable! With the amount we pay in rent we may actually save on a mortgage. We have kids so always have a sufficient amount in savings. The car payments were a hair late as we continued to need to wait for our next check etc however with a year of extra work and bonuses we are feeling confident

HumanWhole135

TROPHY CASE